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Start Now: A Step By Step, Tough Love Guide To Saving For Retirement In Your 20s

By Sam Sharf

As Stuart Ritter instructed new T. Rowe Price hires on the retirement savings options available to them, a woman in the back of the room at a recent orientation started pounding on the table in front of her. The 53 year-old told her mostly 20-something colleagues that after she graduated from college she figured saving for retirement would be easier once she paid off her student debt. Then she fell in love, so she saved for a wedding. Then for a house, some kids and college for those kids. Easier never came and 30-years after college graduation she doesn’t have any money saved for retirement. Her message: Don’t let this happen to you.

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This article originally published October 15th, 2014 on Forbes.